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Penryn CDP, CA

ZIP 95663 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95663

Median Home Value
$963,000
Median Rent
$1,152
Affordability Snapshot
$265,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,186/mo PITI).

9%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

69.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95663 in Penryn CDP, CA, a household would need roughly $265,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,186. That is about 68% above the local median household income ($157,820), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
90.4%+38% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
6.9%-54% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
22.7%-41% vs US avg
x
$963,000
Home Value
$1,152
Rent
1982
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached81.8%
  • 1-unit attached10.7%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$963,000
Median rent$1,152
Owner-occupied90.4%
Vacant5.2%
Price-to-income6.1x
Est. income to buy$265,000